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Jan believed she was ‘in love’. She accepted a proposal of marriage, and then sent money - ALL her money - to a professional scammer.
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Jan is one of the rare few survivors of a romance scam who has the courage to speak up, and she does - loudly, eloquently and frequently in her latest book Romance Scam Survivor: the whole sordid story!

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Are you a victim of a romance scam and a New Zealand resident? The University of Auckland is looking for you.

They are undertaking research on: Where to Turn for Support? The Impact of Online Romance Fraud on Relationships Between Victims and Kin. Researcher: Christopher C McCormick, Supervisor: Vivienne Elizabeth

Not enough is known about support for victims after scams have been perpetrated. Please sign up if you are a New Zealand resident or a family member of a NZ scam victim.

Whenever I speak publicly about being scammed there is often either an innuendo or a direct attribution that because I have been lonely I am likely to be vulnerable to a scam. For ‘lonely’ translate to ‘faulty individual’. Thus the formula follows, in their minds: I am not lonely, therefore I am not ‘scam-able’. I reject the formula, but more on that later. Now there is research which has looked specifically at susceptibility to cybercrime. Low and behold “In total, 60% of the population surveyed presented as being in the higher risk categories for susceptibility to cybercrime.”[i] So, for a great many people, it could happen to them.

Undertaken by Lee Hadlinton and Sally Chivers, and published in Policing: A Journal of Policy and Practice[i], this research looks at susceptibility to cybercrime levels through the lenses of information security awareness, trait impulsivity, and cross references these with age and employment factors. Continue reading Susceptible to scams? 66 percent are..

In the past years, since Rosie Beatty became Australian of the Year, there has been much emphasis on Domestic Violence and the toll this takes on many women, as well as programs to combat this. Regular readers of this blog will know that I see Romance Scams as a form of abuse, but one that in comparison gets very little support or acknowledgement, except when the increasingly disastrous financial figures are published. So how are these forms of abuse similar and different? Analysis has begun on this topic by Dr Cassandra Cross and her colleagues. Continue reading Is the psychological abuse in domestic violence similar in scams?

I recently gave a talk to a local PROBUS Club (for over 55s who are retired), about my experience of being scammed. I’m getting better at doing these talks, but still am taken aback by some of the questions. The one that most niggled this day was if I had been single for much of my life.

“Ah!” He said, when I replied positively to this. In his mind I knew he had now put me in the box of “lonely, therefore scam- able”. I wanted to scream, because I knew he was also making the leap to “I’m not lonely, therefore it won’t happen to me”. They all wanted to believe “it won’t happen to me”. All 90 of them listening to my talk on how I was scammed. It was similar to those other questions which implied that I was gullible or stupid to fall for a scam.Continue reading Does Lonely mean Ripe for a Scam

A new book, a new resource, a great article for you to read… essential new items for the scam aware….

A New Book.

I haven’t met Elina Juusola but I do know she is another dating scam survivor. A colleague passed her details to me. She is stepping up and telling the world about her experience, to educate others, and this is highly commendable.

I saw the term “taking the brain” in an article where an ex-scammer talked about the stages they go through in a scam. It is the end goal of “love bombing”, the intensive grooming that scammers go through, where “the victim’s defences are broken down by exhaustion, social isolation and an overwhelming amount of attention“.

In the long article in AARP The Magazine , Enitan [false name used in the article], the ex-scammer says

“The goal is to get the victim to transfer allegiance to the scammer. “You want them thinking, ‘My dreams are your dreams, my goals are your goals, and my financial interests are your financial interests,’ ” he says. “You can’t ask for money until you have achieved this.”

I’ve had a number of contacts recently from family members of people who they believe are being scammed, and have given away huge amounts of money. They wonder why they cannot get through to their loved one, and reached out to me for help. I also saw a show on Dr. Phil where he interviews a woman who has given away US$300,000, and was still declaring her love and refusing to admit she had been scammed.

Those who have realised they have been scammed continually get the question, “How could you give you money to someone you have never met?” It is nearly impossible to explain to people who have not experienced it. This phrase, “taking the brain” is the best explanation I have seen yet. It is no wonder, that with this intent plus tried and true techniques being used by scammers, that those caught in the scam have agreed to marry their fictitious partner, feeling like they have found their one true love. This is the confirmation to the scammer that they have control, and can now ask for money. I certainly felt, after I realised that I had been scammed, that I was not in control of myself at that time. It is not detectable from the inside the scam though.

On a SBS TV program showing a BBC Documentary 2015 – Is Your Brain Male or Female this week I saw that oxytocin, the honeymoon hormone which increases the level of trust when in love, only impacts women. This was a surprise to me, because the numbers of men scammed is greater than women, though women report it more, according to the AARP article where they quote Monica Whitty’s 2008 book, Truth, Lies and Trust on the Internet. The article again quotes Whitty:

Computer-mediated relationships, she says, can be “hyperpersonal — more strong and intimate than physical relationships.” Because the parties are spared the distractions of face-to-face interaction, they can control how they present themselves, creating idealized avatars that command more trust and closeness than their true selves. “What happens is, you can see the written text and read it over and over again, and that makes it stronger,” she says.

It has always been the level of intimacy developed in a scam that I think is not well understood or believed by those who have not experienced a scam. The level of intimacy may have been made even more intense by cybersex, which can be used as a form of ‘consummation’ of the virtual marriage, and cement the achievement of the goal of ‘taking the brain’.

It is in the context of the intimacy developed during a scam, the ‘taking the brain’ that I come back to the issue of loved ones who are being scammed, and what family members can do about it. The victim when confronted may refuse to believe it is a scam and may be continuing to send money. There is no easy answer as to what to do, especially as unacknowledged feelings of shame and denial in the face of relative’s insistence that it is a scam may push the victim to take a stance of “its not a scam, its true love and you would not understand“, words given to them by the scammer, even more strongly. Again from the AARP article:

Shame, fear of ridicule and the victim’s own denial enforce this contract of silence. “Once people are invested in these , it’s extremely difficult to convince them they are not dealing with a real person,” says Steven Baker, director of the FTC’s Midwest Region [USA] and a leading expert on fraud. “People want to believe so bad.”

This family interaction is hard for everyone involved, and can lead to break-up between family members. It is quite different from the scenario in my post I think my friend is being scammed, where friends were discussed. Family relationships may be much more emotionally loaded. There are also more serious financial implication, as assets are sold, inheritances are given away, loans are taken out and the victim is left with less than nothing. The bewildered family may be left with the ongoing financial burden or at least the need to support the now destitute scam victim.

I am trying to think if there is anything more that could be done in these situations apart from what I suggested in my previous post. I think in these situations it is more important to contact the authorities, and see if you can get any involvement from them. Hopefully they would be tracking activity of scammers. I’m hypothesising that an interaction with an independent third party of authority may help.

Please add your own comments below if you have ideas about or success with any other tactics when confronted with a family member who is actively being scammed, so we can all learn from this experience. Contact me directly and I will post on your behalf if you require anonymity.

Finally, the article quotes our own Brian Hay, head of the fraud unit of the Queensland Police Service in Brisbane about the fraudsters:

Think romance fraud on an industrial scale. “The strongest drug in the world is love,” Hay says. “These bastards know that. And they’re brilliant at it.”

I had been warned there might be a follow-on or ‘secondary scam’, after my scam event in 2012, and had thought myself lucky that there had not been one. Until last week. It came via Skype.

Request to add contact to Skype

How alluring the thought of getting my lost money back could be, if I let it. The Skype contact request came with a photo of what I assumed to be an older official looking man. Actually when I look again, it looks like someone in a bookshop or library, not official at all! No doubt the ‘full statement’ would gather personal information which could be abused, either by ID theft, or they would ask me to pay fees to get the money back. I know by now its all about getting their hands on my money.

I know enough by now to check, so went to the Interpol website and found this, located in their FAQs.

“I have been contacted by someone claiming to work for INTERPOL. How can I check this is genuine?

The INTERPOL General Secretariat does not contact members of the public. If you have received an email from an individual claiming to work for INTERPOL, it should be considered fake. Read more about email scams falsely using the INTERPOL name.”

As an aside, when I was scammed it was suggested by friends that I contact Interpol to find my scammer. Officially, they say

“Am I the victim of online fraud?

There are many common frauds circulating over the Internet, including fraudulent lotteries, so-called ‘419’ scams, fake inheritance claims, online purchases scams, online dating and chat-room confidence tricks. If you believe you are the victim of one of the above, please contact your local or national police authorities.” [my emphasis]

But back to the story… I did not accept the invitation to connect on Skype, and blocked the contact.

I am not talking about situations where the victim is blackmailed by a scammer who has taken a revealing webcam of them, such as in ‘sextortion’. You can see more in my blog on this. I am also not talking about when the scammer is confronted, and then admits to being a scammer, but declares that they have really fallen in love with the victim. I am talking about money recovery scams when a supposed official contacts the victim, as they did me, saying they can help get money back. I have heard stories of this being Senior Police, Ministers etc. See this great description by Scamwarners.com, who have some great sample emails used in this type of scam.

offers of scam compensation from law enforcement or government agencies even though no such scheme exists

a supposed doctor calling to alert a fraud victim that the scammer had attempted suicide and needed medical bills paying or he would not survive;

a woman contacting a fraud victim to explain she is the scammer’s wife and he beats her but she wants to leave and needs money to do so; and

claims made to a fraud victim that the scammer is facing jail unless more money is sent.”

I find these stories so outlandish, but understand that they are designed to hook the victim in the same way the initial scam did. Here is a case study cited on Lifehacker by Cassandra Cross, one of our top Australian researchers on this topic, of such a situation.

“CASE STUDY: A woman in her 50s was approached by a man in America. She developed a relationship with him, which included her talking and emailing his “daughter”. She lost $A30,000 before she realised it was a fraud and stopped sending money.

But she became a victim in a secondary scam, from bank officials in another country claiming her “husband” had opened an account in her name. She lost another $A30,000 trying to access these funds.

She reconnected with the original man, believing that they both may have been scammed by this banking official and that she might be able to continue her relationship with him. In the process, she has lost all her savings, her house, her job and it put immense strain on her relationships with family and friends.”

One thing I have heard about these secondary scams is that they can be very convincing, supposedly coming from people (government officials or police) of very high status, and with convincing documentation. They can even set up phone calls with these officials to further add to the realism of the scam/fraud scenario. It can become very confusing to tell reality from lie when the evidence seems so real.

There has been some research done on susceptibility of people to repeat scams, and that research, done for the UK Office of Fair Trading in 2009 showed that it was 10 – 20 percent of people who have been scammed. That’s quite high.

Gene Fernando – The Complexity of Emotions

Two things to say about all this:

We need to acknowledge the complexity of our emotions and how easily we can be manipulated by ‘hope’ of something different, better, more, or situation remedied, especially in areas of love and money. Hope has a lot to answer for.

The level of sheer gall (and ingenuity) of the scammers to brashly keep trying to get our money, using any and every scenario they can and with near to real backup materials and manipulations, is astounding.

So the lesson is simple. If you have been scammed, be hypersensitive to follow-on or secondary scams. Especially be aware that these are likely to come from online connections, as mine did, via email, Skype or even LinkedIn. They may purport to be officials of some sort. In reality, true organisations will never contact you this way. So beware.

Following on from my last post The shame of being scammed, about some of the mechanisms of shame that operate around a romance scam and how debilitating this can be, in this post I will talk about how we get beyond the shame. If we let ourselves be defined by this shame, to let this shame consume us, we are unconsciously colluding with our scammer(s) to be the victim that they have taken advantage of. This post is about what to do about the shame when it incapacitates us.

Brené Brown talks in her work about how to stop the 3 requirements which allow shame to exist and grow: “Secrecy, Silence and Judgement”. She elaborates on how shame is often something we feel as result of childhood conditioning and wounding, and her work with gender differences for shame is also illuminating. Our focus in this post however is on the shame of a specific incident – the being scammed.

Nicholas de Castella talks about the cost of shame, including the energy lost through hiding and cutting off from our feelings, which in turn cuts us off from others. “In the splitting off process we lose our sense of aliveness and our sense of connection to our essential being” he claims. This may leave us feeling like we are “being reduced in size or diminished”, and also leads to feelings of “being separate and distant from others”.

I remember for the year or so after the scam how I would be reluctant to go out, except to family, and though I was talking to girlfriends, was unconsciously keeping it at a very surface level. I gave the impression of being very together and positive, whilst underneath I was feeling unworthy, shut down, and unable to be my confident self. How could anyone respect or trust me when I did not respect or trust myself. Though I did not realise it at the time, this also impacted how I operated at work. I was definitely diminished, cut off, and not my full self, just as de Castella suggests I would be when in a state of shame.

Only when I had to defend myself and justify what had happened to the Australian Tax Office (ATO), did I fully understand what had happened. The ATO wanted to tax me at a high level (46.5%) because of money I had taken out of a Self Managed Super Fund against regulations. In writing to the ATO I come to terms with the fact that it was not just ‘unfortunate’ that I had been scammed, as they had labelled it, but that I had been deliberately targeted by professional and skilled fraudsters who had groomed and manipulated my emotions so I would compliantly part with my money. It took a lot of researching of scamming to come to this realisation.

This fits with one of Brown’s four steps to deal with shame, which is to reality check the situation. One part of this when scammed is to truly understand that you have been defrauded, and the second part is to understand how deliberate an emotional manipulation this has been, and that it is not just a mistake that you have made. The relationship that the scammer has promised you was not real, and never was. From the outset the money they conned you into paying was never for the reasons they gave. The promises to return your money were never going to be kept. Though it may have seemed that you willingly gave money, your acquiescence was totally manipulated by their deliberate lies. The reality is that you were not at fault or to blame, in the same way that someone mugged is not to blame for the mugging, or someone who is raped is not to blame for that rape.

Understanding this also allowed me to have some compassion for myself, and for what I had done, and took away the self judgement and feeling of unworthiness. This in turn allowed me to talk with and reconnect more fully with others. As I wrote the Objection to the ATO ruling about this, I also shared it with my girlfriends. As de Castella says:

“One of the ways to release the charge on a particular incident that we feel ashamed of is to find a safe, honouring, non-judgemental space where we can bring what we are hiding out. A space where we will be honoured: seen, heard, felt and allowed to explore how we are feeling about it.”

Writing this objection to the ATO, even though it did not achieve an exemption from paying the tax, is the point at which I was able to shift from being a victim to being a survivor, and was able to fully acknowledge what had happened, and my true responsibility in it. It shifted the blame from me to the scammers, where it should reside. I was no longer feeling the ‘un-wholeness’ that was identified as a symptom of shame in the last blog post.

As an aside, the tax bill felt like I was being ‘fined’ for being a victim and left me with tens of thousands of dollars of debt in additional to what I had already lost in the scam.

In sharing the draft of the objection to the ATO with those close to me, and getting their feedback on it, I was able to break the silencerequirement for shame and fulfil another of Brown’s four steps – to reach out and share with someone you love and trust. This also allowed them to have some empathy for what had happened.

The third requirement for shame to exist is secrecy and the antidote to this is to speak out, to ‘speak shame’. “Shame cannot survive being spoken”, Brown says. This is the reason I have spoken to the press about my scam, why I write this blog, and why I started the Romance Scam Survivor Meetup in Melbourne. By becoming an Ambassador for ACORN, I have also been able to support the prevention message, and hopefully prevent others from having the same experience. From doing these things I have been able to regain my self-respect, and rebuild my strength and self-confidence.

The forth activity to combat shame and build resilience in dealing with shame, whenever it occurs, is to understand what triggers the shame feelings in us. Usually these are the legacies of our childhood, especially those common messages we receive at that time like “Don’t be seen”, “Don’t be heard”, etc.. The previous post talks about mechanisms which occur in scams. Understanding and awareness that our feelings are of shame enables us to not be caught in the judgement, silence and secrecy that maintains them, and instead to reality check the situation, share with friends about our feelings, and identify and speak out the shame that we are feeling (this does not have to be to the person who triggered the shame).

Having had my own baptism of fire experience with shame I find shame and how it operates within us fascinating. There is much more that I have not included here. I highly recommend reading more of these authors. Both add different and additional dimensions to the understanding of Shame and how to go beyond the shame…

After my last blog on the importance of speaking out about being scammed, I wanted to talk more about how Shame operates to keep us quiet, and the need to step out from behind shame.

Shame is one of the biggest factors that stops us talking about what has happened to us. It operates in several ways in romance scams, once we realise this is what has happened to us.

Firstly, we are ashamed of our own ability to not see through the scammer, because we have believed in their words and promises. We have thought we had something ‘special’. There is a societal expectations that we should be an effective judge of character and on this occasion we have been found wanting. We feel shame because we are not whole, we are deficient in this way because we do not have this skill. Because of this we do not deserve respect from others, and more painfully, we also no longer respect ourselves. We do not trust our own feelings, as a basis for action. Any trust in ourselves is broken. This is congruent with the definition given by Brené Brown, a leading exponent on shame mechanisms, who says a feeling of shame implies that we are a bad person, compared with a feeling of guilt, which points to a bad action or behavior.

Secondly, we feel shame because we have not had the security of our money as the highest motivation. Our western capitalist societies value financial security and rationality above all else, especially above love, which is seen as irrational. In this instance we have gone against this societal norm and given away our money because of love. Many of us who have done everything to assist our ‘loved one’ [the scammer] financially, have seriously and detrimentally damaged our own financial standing in the process, creating:

‘Shame’ painting by Carla Navoa

loss of security such as housing, now or future;

Loss of other valuables, assets, and ability to support ourselves into the future

loss of savings that we have work hard for years for;

increased credit through credit cards, loans, mortgages;

and at times, illegal activities such as stealing or using money that we are not entitled to use.

In some cases, it may be impossible to recover financially from these losses, and these losses may cause further financial detriment such as additional taxes or loss of credit ratings or bankruptcy.

Monica Lewinski: Shame and Survival, Vanity Fair

Thirdly, shame is generated by the fear of being publicly humiliated. As Monica Lewinsky has highlighted in her recent essays and TED talk on the Price of Shame, the internet as a tool for humiliation is very strong, and its power enormous, to reinforce our societal view of what we have done wrong, no matter how incorrect it is.

I have experienced this directly, in the Facebook comments to the exposé that I participated in on A Current Affair, and more recently, in comments attached to an article in the Daily Mail. In reading the comments you will see many people saying the comments below. These comments hurt, because they do not reflect an understanding of the situation, which can be seen from my responses to the comments.

“How could she be so stupid”(I wasn’t stupid, I was deliberately targeted by professional, manipulative and skilled fraudsters who have honed their skills by doing it thousands, perhaps millions of times. These skills include the “same type of mind control techniques used by cult leaders and domestic and dating violence perpetrators”[i]. I did not know I was being lied to and my feelings manipulated.)

“Hasn’t she heard all the warnings”(No. I was never interested in online dating before, so was not aware of the warnings. I did not even know there was a need for warnings. When I was warned, I was already ‘hooked’ in the relationship, and the scammer encouraged me to disassociate with those who were warning me.)

“How could she give money to someone she has not met”(This was someone [the scammer] who had built up such a degree of intimacy with me that I had agreed to marry him. This was not done lightly. I felt I had met and got to know him, so this premise is incorrect. Even though I had not seen him, I had talked incessantly with him. It is not like I was giving money to someone off the street that I had not met before.)

My understanding of the motives behind these comments is that evidence of being caught in a scam highlights a potential vulnerability that we all have, but don’t like the prospect of. Making the comment pushes this fear away from ourselves, with a haughty declaration of “It would never happen to me” that clearly sets THEM, the invincible ones apart from US , the ones who get conned and scammed. So it’s a separation defensive mechanism through creating superiority. Whilst I understand the mechanism impacting those who comment, the victim’s fear of public reaction and ridicule especially when not feeling strong in ourselves, makes us feel doubly ashamed.

Lastly, any research we do into scams tells us that we are unlikely to be able to do anything to get our money back, so we are unable to rectify the situation, to make it right again, to get retribution, to apportion blame where it should reside, with the scammer. In this we are powerless, and the lack of control we have mirrors the lack of control we had to be rational in the first place within the scam. We are again ashamed that we cannot now ‘fix’ or redress the situation. This powerlessness is in contrast to the multitude of TV shows that portray the criminal being caught and punished.

All of these mechanisms of shame coalesce when we realise we have been scammed, so it is not surprising that being scammed not much talked about, at least in an open exploratory way. Scams are talked about to shock people into taking more precautions, but for us this is too late.

Brené Brown[ii] says that there are 3 things which allow shame to exist: “Secrecy, Silence and Judgement”. All of these are in operation, in fact they spiral together when we realise we have been a victim of a romance scam. Its no wonder that people do not report scams, and do not tell family and friends about it either.

Nicholas de Castella comments about shame:

Shame is an emotion. It is the sadness (energy of loss) in which we feel that we are wrong, bad, flawed or invalid. A common reaction to feeling shame is to tighten our bodies, leaving us feeling numb, blank and unable to respond. This is a collapse of being into virtually non-emotional existence. Our right to ‘be’ is invalidated – challenging our right to: have an experience, to have an opinion, to have a feeling, to have an existence.[iii]

The experience of shock and shame you feel when you realise you have been scammed is truly debilitating for the victim.

In my next Blog, I will talk more about how to come out from behind the shame and become a survivor.

Wayne May and Monica Whitty know a great deal and the latest about scams. Wayne is the CEO and Founder of the UK based site ScamSurvivors.com. Monica Whitty researches scams from the University of Leicester. They both know about scams and can talk about what the trends are, what methods are currently being used by scammers.

Monica Whitty being interviewed, 2012

I had known about Monica before. She has a great research report which I have provided a link to on the Research page of this site. I recently discovered this worthwhile video of her being interviewed about her research. In particular I was struck by her comments about how people are groomed, which is done by keeping people sleep deprived, and separating them from their friends. That certainly happened with me. Its only 6:04 minutes, so watch the interview here.

For a recent update, I found this audio podcast from The Guardian Tech Weekly. She starts off talking about some recent hi tech movies, but then gives a good update. Her interview starts at 31:45 minutes into the hour long program.

I came across these videos of both Monica and Wayne because they are attending iDate as speakers. iDate is the Conference for the dating and internet dating industry, and there are several conferences held in different places around the world for different markets. Monica and Wayne are scheduled to speak at the London iDate Conference in October 2015. I’d love to be there and hear what they say is the latest this year.

Interview with Wayne May, 2014

Wayne May I had not heard of before, but was very pleased to see an interview from him from the same conference held in 2014. This one lasts 43:06 minutes, but there are gems all the way through. He talks about “sextortion” as the latest trend, where people, mostly men, are inveigled to strip off and perform acts on videocam, this is saved, and then they are blackmailed by threats to show the videos to family and colleagues. Scamsurvivors.com covers all sorts of scams, not just romance or dating scams. It has a whole forum for sextortion. It also has other videos, and photo galleries as well as provides 24/7 support for victims or suspected victims of all types of scams.

More than this though, if you have any questions about scam, how they work, who they impact, how you identify one, who looks after sites like these, all of them are asked and answered by Wayne May in this video. Its well worth the watch.

In fact, take some time, watch, listen to them all. I will post these links onto the research page when I next post.